When the restaurant isn’t clean, that’s a red flag. When your date forgets his wallet, that’s a red flag. And when an auto mechanic pushes a bunch of costly repairs on you at the garage, that’s a huge red flag.

Then, of course, there are financial red flags. Life sends you these little alarm signals your finances aren’t quite where they should be. For example, when your bank hits you with an overdraft fee, that’s a clear sign your finances could use some TLC.

As we mature, we try to cast off these red flags, but sometimes they’re difficult to shake. Here are several common financial red flags you should address before you turn 40 — plus easy ways to eliminate them this week.

Red Flag No. 1: You Don’t Have a Budget

Do you know how much of your income goes toward housing? Or how much you spend on dining out each month? Have you set any financial goals lately? What’s your savings look like?

One of the simplest ways to identify — and overcome — multiple financial red flags is to create a budget. We know, we know. Budgets are no fun. But that’s why we recommend the 50/20/30 method — because of how simple it is.

By creating a budget, you’ll be able to identify — and conquer — several financial red flags and feel more confident about your money.

Red Flag No. 2: You Have More Than $5,000 in Credit Card Debt

If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape…

And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates. But a website called AmOne wants to help.

If you owe your credit card companies $5,000 or more, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates, you’ll get out of debt that much faster.

AmOne won’t make you stand in line or call your bank, either. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could help you eliminate this red flag in your life — once and for all.

Red Flag No. 3: Your Family Relies on Your Salary

Have you thought about how your family would manage without your income after you’re gone? How they’ll pay the bills? Send the kids through school? Now’s a good time to start planning for the future by looking into a term life insurance policy.

You’re probably thinking: I don’t have the time or money for that. But your application can take minutes — and you could leave your family up to $1 million with a company called Bestow.

Rates start at just $8 a month. Plus, the peace of mind of knowing your family is taken care of is priceless.

If you’re under the age of 54 and want to get a fast life insurance quote without a medical exam or even getting up from the couch, get a free quote from Bestow.

Red Flag No. 4: Your Credit Score is Below 700

Another red flag: Your credit score isn’t up to snuff. What happens when you want to buy a car? Or a house? Your credit score will play a huge role in whether you’ll be able to do that.

Sometimes you can even have a hidden error on your credit report (one out of five reports do) that’s holding you back.

Thankfully, a website called Credit Sesame will help — for free. It allows you to check your score, helps you find (and dispute) errors and even shows you ways to improve your score.

Take, for example, James Cooper. He didn’t know anything about credit, but Credit Sesame showed him the exact steps he needed to take to improve his score — from 524 to 801.

Then there are people like Salome Buitureria, a working mom in Louisiana who, in using Credit Sesame, found a major error on her report. The site helped her fix the mistake and take additional steps to raise her credit score nearly 200 points.*

Red Flag No. 5: You’re Overpaying for Car Insurance

When’s the last time you checked car insurance prices? If it’s been more than six months, that’s a red flag. Shopping your options twice a year could save you some serious cash.

Let’s be real, though. It’s probably not the first thing you think about when you wake up. But it doesn’t have to be.

A company called Gabi makes it super easy to compare car insurance prices for the same exact coverage you already have. Plus, it makes switching plans a breeze.

Take Lourdes Robles-Velazquez, for example. The single mom lives on a tight budget. She was paying $205 a month to insure two Toyota Priuses — hers and her daughter’s. By using Gabi, she knocked $80 off her monthly car insurance bill. That’s nearly $1,000 in savings per year.

Wondering how much you could save? Head over to Gabi and link up your current insurance account (this is how it gets you that apples-to-apples comparison). Then, browse your options. It takes all of two minutes.

Use this strategy to take a closer look at your other monthly bills, and challenge yourself to find more ways to save. Your budget will thank you.

Red Flag No. 6: You Have No Retirement Plan

If you haven’t started thinking about retirement, now’s the time. The sooner you start, the better.

If your employer offers a 401(k) plan as part of its benefits package, then you should absolutely, definitely take full advantage of your employer’s matching contribution. If you’re already at the full company match, consider increasing your contributions even more. Trying raising it by at least 1%.

If your employer doesn’t have a 401(k) package, or if you’re self-employed, consider stashing retirement savings in a tax-free IRA. Contribute to it routinely and automatically, if you can.

Red Flag No. 7: You Haven’t Taken Advantage of These Free Stocks

If you feel like you don’t have enough money to start investing, you’re not alone. But guess what? You really don’t need that much — and you can even get free stocks (worth up to $500!) if you know where to look.

Whether you’ve got $5, $100 or $800 to spare, you can start investing with Robinhood.

Yeah, you’ve probably heard of Robinhood. Both investing beginners and pros love it because it doesn’t charge commission fees, and you can buy and sell stocks for free — no limits. Plus, it’s super easy to use.

What’s best? When you download the app and fund your account (it takes no more than a few minutes), Robinhood drops a share of free stock into your account. It’s random, though, so that stock could be worth anywhere from $5 to $500 — a nice boost to help you build your investments.

*Like Cooper and Buitureria,60% of Credit Sesame members see an increase in their credit score; 50% see at least a 10-point increase, and 20% see at least a 50-point increase after 180 days.

Credit Sesame does not guarantee any of these results, and some may even see a decrease in their credit score. Any score improvement is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning and developing better credit habits.